stepford
Thinks s/he gets paid by the post
As one who ER'd on 12/31 you can all blame me for the current market turmoil. Nothing like losing 5% (or is it 7% by now) of one's NW in the first couple of weeks of retirement to bring any lingering second thoughts to the surface.
I'd been pretty conservative with a 56/44 AA (now down to about 51/49) and had 100% success rates at 1.5x expenses in both Firecalc and Fidelity RIP, but STILL... dang. Anyway, still sleeping well enough at night. The real test will come if (when?) we drop enough that my equity position drops below 45% and I need to reallocate. I have a big enough cash/bond position to live on for several years and dipping into that to buy stocks will test my resolve all over again.
I'd been pretty conservative with a 56/44 AA (now down to about 51/49) and had 100% success rates at 1.5x expenses in both Firecalc and Fidelity RIP, but STILL... dang. Anyway, still sleeping well enough at night. The real test will come if (when?) we drop enough that my equity position drops below 45% and I need to reallocate. I have a big enough cash/bond position to live on for several years and dipping into that to buy stocks will test my resolve all over again.
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